1. Applicants must be between 18 and 65 years old, and foreigners must be between 25 and 65 years old.

2. Applicants need to have a stable job, monthly income paid in the form of punch-in, and a fixed place of residence in the place where they apply for the card.

3. Applicants need to have good personal credit and no bad overdue records.

4. The applicant for the supplementary card must be an immediate relative of the main card holder, for example, the main card holder’s parents, spouse or children, aged between 16 and 65 years old.

5. Applicants should submit true and complete application materials in accordance with the requirements of Harbin Bank.

6. The applicant must be in good mental condition and have full capacity for civil conduct.